---
title: What You Need to Have Ready for a Mortgage Pre-Approval
description: Here is a checklist for all of the documents and information you will need to get a mortgage pre-approval from Access Credit Union.
image: https://blog.accesscu.ca/hubfs/Pre-approval.jpg
---

#003B49

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# What You Need to Have Ready for a Mortgage Pre-Approval

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### When you get a [mortgage with Access](https://www.accesscu.ca/en/personal/borrowing/mortgages), we want to make sure you get the right mortgage solution for you. Here is a list of documents you should have ready for your mortgage pre-approval.

To start, you must have the following:

- Social insurance number
- Two pieces of government-issued ID

You will need to present either two primary or one primary and one secondary.

Primary ID sources:

- Driver’s license (Canadian)
- Passport (Canadian or foreign)
- Permanent Resident Card

Secondary ID sources:

- Birth Certificate
- Major Canadian credit card

 

Proof of income:

One or more of the following documents will need to be presented.

- Most recent T4 and recent pay stub
- Two most recent pay stubs
- Two years of personal income tax returns, including notice of assessment (if self-employed)
- Most recent notice of assessment and pay stub
- Letter of employment and pay stub

 

- List of assets 
    - Investments
    - Proof of down payment (A 90-day history of the down payment funds may be required)
    - Other real estate assets
    - Owned property
    - Vehicles and recreational vehicles (year, make, model)
    - RRSP/TFSA

- List of liabilities 
    - Mortgage statement including monthly payment amount
    - Car loans
    - Child or spousal support payments
    - Co-signed or guaranteed loans
    - Credit card balances
    - Existing mortgages
    - Personal loans and/or lines of credit
    - Property tax bill amount
    - Student loans

Ready to get pre-approved for your home purchase? Visit our [mortgage page](https://www.accesscu.ca/en/personal/borrowing/mortgages) for more information. You can also [talk to your local branch or call our Member Solutions Centre](https://www.accesscu.ca/en/contact) to get started.

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